Travel insurance for seniors with medical conditions
Travel with peace of mind: even with pre-existing medical conditions, there is insurance that protects you.
Your travel insurance for seniors in Canada
If you’re over 60 and planning to travel, travel insurance is essential. A fall, an infection or even a minor emergency medical visit abroad can cost thousands of dollars. With a plan tailored to your needs, you get immediate access to medical care without risking your financial stability.
This insurance is designed especially for:
- Seniors living in Quebec and Ontario
- People with stable pre-existing medical conditions
- Canadians spending long periods outside the country (snowbirds)
Designed to protect your health on every trip
MAIN COVERAGES FOR SENIOR TRAVEL INSURANCE
Emergency medical expenses up to $2 million CAD
Hospitalization, medical fees and nursing services
Lab tests and prescription medication
Coverage for stable pre-existing medical conditions (as per policy)
Ambulance transportation and medical repatriation
24/7 assistance in your language
FREQUENTLY ASKED QUESTIONS – SENIOR TRAVEL INSURANCE
What are the requirements to apply for travel insurance for seniors with pre-existing conditions?
- Valid passport
- Departure and return dates
- Canadian address or temporary residence
- Short medical history and health questionnaire
- List of medications and stable/pre-existing conditions
Can I get travel insurance if I have a pre-existing condition?
Yes. The most important factor is that your condition must be considered “stable” prior to travel (usually 90 to 180 days, depending on the insurer). Stable means no changes in symptoms, diagnosis, or medication.
Is there an age limit for this type of insurance?
Most companies offer coverage up to age 85, although some provide options beyond that with medical underwriting.
What does coverage for seniors include?
- Emergency medical expenses (hospitalization, surgery, ambulance)
- Prescription drugs during emergencies
- Emergency dental care
- Medical transport or repatriation
- 24/7 hotline assistance
In many cases, you can also add trip cancellation and trip interruption coverage.
Does the insurance cover undeclared conditions?
No. If you fail to declare a medical condition, any related claim may be denied.
What happens if my health condition changes before travelling?
You must inform the insurer. They will assess if your coverage needs to be adjusted or if exclusions apply.
PROTECT YOUR HEALTH AND AVOID UNEXPECTED MEDICAL EXPENSES WHILE TRAVELLING.
GET YOUR TRAVEL INSURANCE QUOTE IN MINUTES WITH PERSONALIZED ADVICE.
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Health and travel tips for seniors
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- Financial security
- The 3 mistakes that keep you from achieving financial stability (and how to avoid them)
- Saving and investing
- TFSA, RRSP or FHSA: Choose the best account to grow your money in Canada
- Financial security
- Life, Disability or Critical Illness Insurance: Which One Do You Really Need?